To claim a deceased relative’s money in India, contact the institution holding each asset, confirm whether a nominee or joint-holder survivorship instruction is recorded, and submit its current claim or transmission form with the death certificate and identity documents. A bank handles deposits, the bank or post office maintaining the PPF handles the PPF balance, and the mutual-fund house, registrar or servicing platform handles fund units.
The route changes if there is no nominee, a Will, more than one legal heir, a competing claim or a court order. A nominee or survivor may have an easier administrative route, but nomination does not automatically decide beneficial ownership among heirs. Use the institution’s latest checklist rather than assuming that one document set works for all three assets.
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First, map the assets and the correct claimant route
Identify every account and holding
Make a separate list for each bank deposit, fixed deposit, recurring deposit, PPF account and mutual-fund folio. Record the institution, branch or post office, account or folio number, names of all holders, holding mode, approximate balance or units and the date you notified the institution. A deceased person may have used different nominees for different assets, so do not treat one nomination as applying to the entire estate.
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Classify your legal and account status
Before signing a form, establish which description fits you:
- Registered nominee: the institution’s records name you to receive the deposit, PPF balance or mutual-fund units after proof of death and verification.
- Survivor or joint holder: the account mandate may permit the surviving holder to operate or receive payment. The exact mandate and account type matter.
- Legal heir: you claim under a Will or succession law when no nominee or survivorship instruction applies, or when the institution requires evidence of entitlement.
- Representative under court or estate documents: an executor, administrator or other person may need a probate, letters of administration, succession certificate or court direction.
These labels are not interchangeable. A bank can pay a verified nominee or survivor under its process while preserving the legal heirs’ rights against that recipient. Do not describe a nominee’s receipt as proof that no other heir has an interest.
Assemble a core file
Start with a certified or otherwise institution-acceptable death certificate, your identity and address evidence, account or folio details and the current claim form. Keep copies and obtain an acknowledgement for every submission. Add the deceased person’s passbook, statements, certificates, KYC records, Will and court or succession documents only when the institution’s checklist calls for them. Requirements differ by asset, holding mode and whether the claim is contested.
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Bank deposits: use the bank’s deceased-customer process
When a nominee or survivor is recorded
Ask the branch for its deceased-depositor claim form and the checklist for a nominee or survivor. The bank will normally require proof of death and satisfactory identification of the claimant, then verify the nomination or survivorship instruction and check that no court restraint order prevents payment.
Reserve Bank of India guidance says payment to a verified nominee or survivor under a valid nomination or survivorship clause can discharge the bank’s liability, subject to those checks. It also explains that the recipient is receiving the money “as a trustee of the legal heirs of the deceased depositor.” That means the administrative payment route does not by itself settle disputes about who ultimately inherits the money.
When no nomination or survivorship clause exists
Tell the bank explicitly that its records show no nominee or survivorship instruction. RBI guidance advises banks to adopt a simplified procedure for repayment to legal heirs, but it does not mean every relative can withdraw the balance merely by presenting a death certificate. The branch must tell you which declaration, indemnity, heirship evidence, consent from other heirs or succession document it currently requires for that account and amount.
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If there are several heirs, ask whether the bank wants a joint claim, a mandate authorising one person to receive payment, separate releases, an indemnity or a succession certificate. Do not sign away another heir’s interest without understanding the legal effect. Where heirs disagree, request written instructions and obtain local legal advice before making a representation about entitlement.
Bank-claim steps
- Notify the branch and request the current deceased-depositor form and document checklist.
- Submit the death certificate, your identity and address evidence, account details and the nomination, survivorship or legal-heir documents requested.
- Ensure names and dates match across the death certificate, bank record and identity documents. Explain any spelling or date discrepancy in writing and provide supporting proof.
- Obtain a dated acknowledgement showing when the bank received a complete claim, not merely an enquiry.
- Respond promptly to requests for clarification, additional heirs’ declarations or court documents, and keep copies of every response.
- After approval, confirm whether payment will be credited to an account, issued by another method or require a discharge receipt. Check the credited amount and retain the settlement statement.
What the 15-day RBI timeline means
Published RBI guidance states that banks should settle deceased-depositor claims and release payment to survivors or nominees “within a period not exceeding 15 days from the date of receipt of the claim,” subject to proof of death and identification satisfactory to the bank. The cited timeline is regulatory guidance, not an observed average or an unconditional guarantee. It applies only when the bank has what it needs; an incomplete, disputed or court-restrained claim can take longer. Ask the branch to identify the missing item and escalate through the bank’s grievance channel if an otherwise complete claim remains unexplained.
PPF: claim the balance with Form G
Use the PPF deceased-claim form
For a deceased Public Provident Fund subscriber, request the current version of India Post’s Form G, titled “Application for withdrawal by Nominees/Legal Heirs under the Public Provident Fund Scheme.” The form is used to request withdrawal of the amount standing to the subscriber’s credit. Obtain it from the bank or post office that maintains the account because forms and procedures can change.
Form G lists the death certificate and the subscriber’s passbook among its enclosures. Depending on the circumstances, it also refers to a succession certificate, letters of administration, a probated Will, indemnity, an affidavit and disclaimer documents for legal heirs. Those items are not automatically required in every case; the applicable section depends on the nomination, Will, number of heirs and the institution’s verification.
PPF nominee route
If a nominee is recorded, complete the nominee portion of Form G and provide the death certificate, passbook and identity evidence requested by the account office. Ask whether the account office requires a separate declaration or bank-account proof for credit of the proceeds. If more than one nominee is recorded, the scheme’s nomination provisions and the form’s allocation details matter; the office may require separate signatures or claims.
Nomination allows the account office to process an administrative payment, but it should not be treated as a final determination of inheritance rights. If a Will or another heir’s objection conflicts with the proposed payment, stop and obtain written instructions before submitting a statement that could affect the estate.
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PPF legal-heir route
Where there is no nominee, or where the account office requires proof beyond a nomination, identify every legal heir and ask exactly which evidence it accepts. A probated Will, succession certificate or letters of administration may be relevant. The office may also ask heirs to provide indemnity, affidavit or disclaimer documents in the situations specified by Form G.
Do not substitute a self-written heir list for a document the account office has requested. If the family cannot agree on who should receive the balance, or if a Will is challenged, ask the bank or post office to place the claim on hold and consult a qualified lawyer familiar with the applicable succession law.
PPF submission steps
- Confirm the PPF account number, maintaining office and whether a nomination is recorded.
- Request the current Form G and the office’s written enclosure checklist.
- Complete the nominee or legal-heir section that matches the claim; do not leave out other known heirs.
- Attach the death certificate, passbook and identity evidence, then add the succession or Will documents and declarations the checklist specifies.
- Submit the file at the maintaining bank or post office and obtain a receipt with the date and receiving official’s details.
- Ask how the approved balance will be paid and retain the calculation, acknowledgement and final discharge record.
Mutual funds: transmit units instead of treating them as a bank withdrawal
What transmission means
The Association of Mutual Funds in India (AMFI) defines transmission as transferring a deceased unitholder’s units to the nominee or legal heirs, as applicable. The request is made to the AMC or its RTA, using the folio and holding details. If a distributor or online platform appears on your statements, ask it to route the request to the entity that services the folio.
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A nominee must complete the AMC or RTA’s current transmission formalities. AMFI investor guidance identifies KYC and proof of the unitholder’s death as core requirements; the checklist may also request the nominee’s bank details, identity and address evidence, a transmission form and other declarations. Each folio and holding mode can have additional requirements, so obtain the checklist before sending originals.
Check whether the deceased held the units individually, jointly, or through a different registration. A surviving joint holder may follow a different process from a nominee. Do not redeem units first unless the servicing institution confirms that redemption is permitted and is the correct route; transmission is generally the process for changing ownership records after death.
No nomination, or a Will is involved
AMFI guidance indicates that transmission to legal heirs depends on whether the deceased left a Will and on the applicable succession law. Ask the AMC or RTA whether it requires a probated Will, succession certificate, letters of administration, an indemnity, a no-objection or disclaimer from other heirs, or a court order. The answer can depend on the value of the holding, the number of claimants and the governing law.
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If the Will names an executor, the institution may require the executor’s authority rather than treating every beneficiary as an individual claimant. If heirs disagree, do not submit conflicting declarations to different registrars. Request a written hold or dispute procedure and obtain legal advice in the relevant jurisdiction.
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- Locate the latest account statement, folio number, scheme names, holding mode and servicing AMC or RTA.
- Request the current transmission form and scenario-specific checklist from the AMC or RTA.
- Submit the death certificate, claimant KYC, identity and address evidence and the folio documents requested.
- Add the Will, probate, succession certificate, letters of administration, indemnity or other heir documents only as instructed for the particular case.
- Ask for an acknowledgement and a list of any units or folios that remain pending because of a mismatch or missing document.
- After transmission, verify the new statement, registered bank account, nominee details and unit balance. Keep the old and new statements together for the estate record.
Document checklist by asset and situation
There is no universal deceased-claim packet. Use this comparison to prepare questions for each institution, then follow its current written checklist.
| Asset or situation | Core evidence | Additional evidence that may apply | Where to submit |
|---|---|---|---|
| Bank deposit with nominee or survivor | Death certificate, claimant identity and address evidence, account details, current bank form | Nomination or survivorship verification, bank-account proof or declarations requested by the branch | Bank branch maintaining the deposit |
| Bank deposit without nominee or survivorship | Death certificate, account details, claimant identity, current legal-heir claim form | Heirship evidence, consent or mandate from other heirs, indemnity, succession certificate or court document as required | Bank branch; use its written checklist |
| PPF account | Current Form G, death certificate, subscriber’s passbook, claimant identity | Nomination details; probated Will, succession certificate, letters of administration, indemnity, affidavit or disclaimer where Form G and the office require them | Bank or post office maintaining the PPF |
| Mutual-fund folio with nominee | Transmission form, death certificate, nominee KYC, identity and address evidence, folio details | Bank details, declarations or holding-mode documents in the AMC/RTA checklist | AMC or RTA servicing the folio, often through the platform |
| Mutual-fund folio without nominee | Death certificate, legal-heir transmission form, claimant KYC and folio details | Will and probate, succession certificate, letters of administration, indemnity, disclaimers or court order depending on the facts | AMC or RTA; obtain its scenario-specific instructions |
How to handle a missing nominee, Will or competing claim
No nominee
A missing nomination changes the evidence burden; it does not automatically transfer the entire balance to the person who reaches the institution first. Ask for the legal-heir procedure, identify all heirs and determine whether the institution accepts declarations and indemnities or requires formal succession evidence.
A Will exists
Tell the institution about the Will even if you are named as the only beneficiary. Ask whether it must be probated or supported by letters of administration, and whether the executor must make the claim. Do not conceal a later Will or submit an unverified copy as if it were final.
Heirs disagree or a court order exists
Provide the institution with the dispute or court-order details immediately. A court restraint order can prevent a bank from paying a nominee or survivor, and similar restrictions can affect PPF or mutual-fund transmission. Ask what document will lift the hold and whether the institution wants all communications through one authorised representative.
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The branch or registrar says the form is outdated
Do not rely on a downloaded copy or an old checklist. Request the current form directly from the maintaining branch, post office, AMC or RTA, and ask the official to mark which version and enclosures apply to your holding.
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Names do not match
Compare the death certificate, account record, PAN or other identity evidence and the claim form. Give a written explanation and supporting name-change or relationship document before the institution rejects the file. Ask for a written deficiency list rather than repeatedly resubmitting the same packet.
The institution has not responded
Use the acknowledgement date to make a written status request. For bank deposits, ask whether the claim is complete and how the RBI service timeline applies. Escalate through the bank’s internal grievance channel or the AMC/RTA’s investor-service escalation route, preserving every reference number. A complaint cannot replace missing succession evidence, but it can clarify whether the delay is administrative or caused by a disputed entitlement.
Original documents are requested
Ask why an original is needed, whether an attested copy is acceptable and when the original will be returned. Keep a scanned copy and a receipt describing every original delivered. Never send irreplaceable documents without a traceable acknowledgement.
Keep an estate record after payment or transmission
Save the submitted forms, acknowledgements, deficiency letters, legal documents, settlement statement, PPF withdrawal record and post-transmission mutual-fund statement. Note which heirs were notified and how any payment was allocated. Because a nominee’s receipt may be held for the benefit of legal heirs, retain evidence of the amount received and any subsequent distribution agreed or ordered among heirs.
The safest sequence is asset-by-asset: identify the account, verify the nominee or survivorship status, obtain the institution’s current form, submit only the evidence that applies, and escalate disputes before claiming entitlement. This avoids treating a bank deposit, PPF balance and mutual-fund folio as if they followed one identical inheritance process.
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